Central Plains Bancshares, Inc. Common Stock (CPBI) P/E Ratio History
Premium ValuationTrading at 18.2x vs 5Y avg 13.8x · 100th percentile · Premium to historical baseline · Data 2023–2025
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P/E Ratio Analysis
As of July 7, 2026, Central Plains Bancshares, Inc. Common Stock (CPBI) trades at a price-to-earnings ratio of 18.2x, with a stock price of $19.13 and trailing twelve-month earnings per share of $1.02.
The current P/E is 32% above its 5-year average of 13.8x. Over the past five years, CPBI's P/E has ranged from a low of 9.8x to a high of 17.0x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.3x, CPBI trades at a 27% premium to its sector peers. The sector includes 800 companies with P/E ratios ranging from 0.0x to 160.4x.
Relative to the broader market, CPBI trades at a notable discount to the S&P 500 median P/E of 25.6x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CPBI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CPBI Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
CPBI P/E vs Peers
Post-merger operating companies misclassified peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $5B | 19.6 | 4.36 | +13% | |
| $1B | 10.6Lowest | 0.71 | +11% | |
| $223M | 15.8 | 3.12 | +9% | |
| $537M | 10.6 | 0.42Best | +17%Best | |
| $4B | 16.1 | 0.85 | +11% | |
| $9B | 15.3 | 1.86 | +13% | |
| $3B | 21.0 | 11.21 | +11% | |
| $2B | 15.5 | 2.82 | +8% | |
| $2B | 13.0 | 0.89 | +12% | |
| $13B | 22.0 | - | -52% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
CPBI Historical P/E Data (2023–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | - | $17.11 | $1.04 | 16.5x | +19% |
| FY2025 Q3 | Dec 31 2025 | $16.92 | $1.02 | 16.6x | +20% |
| FY2025 Q2 | - | $16.30 | $0.96 | 17.0x | +23% |
| FY2025 Q1 | Jun 30 2025 | $15.12 | $0.98 | 15.4x | +12% |
| FY2024 Q4 | Mar 31 2025 | $14.92 | $0.96 | 15.5x | +12% |
| FY2024 Q3 | - | $14.96 | $0.98 | 15.3x | +10% |
| FY2024 Q2 | Sep 30 2024 | $12.56 | $1.04 | 12.1x | -13% |
| FY2024 Q1 | Jun 30 2024 | $10.11 | $1.03 | 9.8x | -29% |
| FY2023 Q4 | Mar 31 2024 | $10.22 | $1.02 | 10.0x | -27% |
| FY2023 Q3 | Dec 31 2023 | $10.20 | $1.02 | 10.0x | -28% |
Average P/E for displayed period: 13.8x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
3+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
CPBI — Frequently Asked Questions
Quick answers to the most common questions about buying CPBI stock.
What is CPBI's P/E ratio?
Central Plains Bancshares, Inc. Common Stock (CPBI) trailing twelve-month P/E ratio is 18.2x, based on TTM diluted EPS of $1.02. The 5-year average P/E is 13.8x and the historical range spans 9.8x to 17.0x.
Is CPBI stock overvalued or undervalued?
CPBI trades at 18.2x P/E, above its 5-year average of 13.8x. The 100th percentile ranking within the 9.8x–17.0x historical range indicates a premium to historical valuation.
Is CPBI stock expensive?
Yes, CPBI is expensive relative to its own history. The current P/E of 18.2x is above the 5-year average of 13.8x and also above the Financial Services sector median of 14.3x. The stock sits at the 100th percentile of its 5-year valuation range.
What is CPBI's historical P/E range?
Over the past 5 years, CPBI's P/E ratio has ranged from 9.8x to 17.0x, with a median of 15.4x and an average of 13.8x. The current P/E of 18.2x places the stock at the 100th percentile of this range. Full historical data spans 2023–2025.
How does CPBI's P/E compare to the S&P 500?
CPBI trades at 18.2x P/E versus the S&P 500 median of 25.6x. The 29% discount to the market suggests lower growth expectations or perceived higher risk.
How does CPBI's valuation compare to Financial Services peers?
Central Plains Bancshares, Inc. Common Stock P/E of 18.2x compares to the Financial Services sector median of 14.3x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is CPBI's PEG ratio?
CPBI PEG ratio is N/A, based on a P/E of 18.2x and EPS growth of 9.4%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is CPBI's earnings yield?
CPBI earnings yield is 5.49%, the inverse of its 18.2x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.